MICHAEL P.

BAKER
West Bridgewater, MA 02379 Phone: 508.513.8140 Email: michaelpbaker@comcast.net

~ SUMMARY ~ Experienced lending professional with a proven track record of success, strong relationship and process management skills, and the ability to communicate effectively at all levels of an organization; MM; Post-Graduate work in Information Architecture & Knowledge Management; and knowledgeable in the operational and compliance aspects of residential and commercial service and industry sectors including originations and servicing. Seeking a challenging opportunity positions me in a familiar place where I can strive for continued accomplishments.

A REAS OF E XPERTISE & E XPERIENCE Mortgage Origination & Servicing Quality Assurance Dodd-Frank & CFPB Compliance Internal Control Improvement (QC) Vendor Management Credit & Risk Assessment Residential & Consumer Compliance Process/Workflow Improvement Fiscal Management / P&L & Budget Policy & Procedure Development Training & Mentoring Team Building & Accountability

P ROFESSIONAL E XPERIENCE Bank of America - Global Home Loans Compliance / Collabera Consulting 2013-2013 COMPLIANCE OFFICER Monitoring & Reporting: Responsible for monitoring and reporting Bank compliance with all applicable federal and state regulations associated with the implementation of the Banks CFPB and NMS program. Document Review: Review and assess new and existing policy and procedures, training material, job aides and other internal customer centric documents associated with the banks CFPB implementation project. Billing Statement Development: Work with Line of Businesss (LOBs) in the development of Banks periodic billing statement project for closed and open-end product lines. Create Knowledge System: Develop a correspondence compliance matrix that ties the customer facing communication repository into the banks proprietary Regulatory Inventory Tool system (RIT). Bayview Loan Servicing, LLC Coral Gables, FL 2010-2013 VICE PRESIDENT QUALITY ASSURANCE Department Creation & Oversight: Created, staffed and managed a Quality Assurance department consisting of a team of in-house resources to perform testing on servicing related LOB functions (Loan Administration, Default Administration, and Loan Servicing) and a portfolio of residential and commercial loans. Committee Membership: Standing member of the Enterprise Risk Management and Compliance and Risk Management Committees. Regulatory Compliance: Researched and reviewed NMS, CFPB and OCC Consent Order addressing Mortgage Servicing Rules, developed policy and procedures, reviewed training material. Audit Facilitation: Established an Audit Facilitation Department responsible for managing external audits by clients and FDIC. Collaboration & Culture Shift: Forged a strong compliance culture by developing and maintaining program infrastructure that identifies measures and monitors compliance with applicable laws, regulations and rules that govern specific lines of business. Error Reduction/Resolution: Introduced and expanded the use of test management tools that improve analyst efficiency, reliability, and repeatability while ensuring compliance with applicable Federal, State and Municipal compliance regulations. Collaborated with LOBs to develop corrective action plans and monitor progress. SOX Compliance: Overall responsibility for the annual SSAE 16 compliance reporting, OFAC testing and external audit facilitation. Training & Education: Provided ongoing training, education and compliance assistance in the areas of Reg. B, C, X, Z, Fair Lending, FCRA, SCRA.

Policy & Procedure Development: In collaboration with the LOBs, responsible for the development and publications of policies, procedures, guidelines and processes that translate regulatory laws and rules into comprehensive, quantifiable statements that support business efficiencies and/or internal controls. Vendor Management: Established the Vendor Management program based on OCC guidance which lead to the creation of a Vendor Management Department. Project Management: I chaired or participated on implementation teams for new or changed regulations and review and approve new business processes and procedures to ensure they are structured to effectively mitigate risk.

Bayview Asset Management, LLC Coral Gables, FL 2010-2010 SAS 70 / SSAE 16 Facilitator (SOX Consultant) SOX Compliance: Facilitated the launch of the companies SSAE 16 compliance program (Type I & II). Project Management: Managed the on-going testing program and annual reporting in collaboration with independent third party auditors. InterBay Funding, LLC Mansfield, MA (a subsidiary of Bayview Financial) 2006-2010 VICE PRESIDENT NATIONAL OPERATIONS (InterBay acquired FEC Mortgage Corp. in 04/2000) Policy & Procedure Development: Responsible for the development and implementation of the companys policies, procedures, and guidelines for new and existing commercial product lines. Compliance: Managed the companys compliance program. Process Workflow Optimization: Oversaw branch networks process flow and recommended/implemented best practices to ensure efficient interdepartmental workflow to minimize set-up to consummation turn time. (US & CAN) Organizational Development: Responsible for creating operational infrastructure in new and existing markets (US, CAN & UK). Intra-company Liaison: Liaised with parent companies Internal Audit and mortgage servicing divisions to resolve issues and address audit/compliance topics. InterBay Funding, LTD Toronto, Ontario 2007-2007 VICE PRESIDENT CANADIAN DIVISION MANAGER (PRO TEM) Day-to-day Operations: Manage business operations to achieve company goals during management transition. Evaluate business performance and recommend/implement new strategies for performance improvements. Ensure that the team work in compliance with company and industry policies and procedures. Develop and enforce best practices to ensure operational efficiency. This included the direction and leadership of the sales, operation, fulfilment and compliance within the division. Identify areas of improvement and concerns and accordingly develop action plans. InterBay Funding, LLC Mansfield, MA 2001-2006 ASSISTANT VICE PRESIDENT- OPERATIONS MANAGER Day-to-day Operations: Responsible for managing the day-to-day operations, ensuring exceptional customer service and compliance with policies, procedures and regulations. Workflow Process & Quality: Responsible for overseeing a team of employees in a production environment performing various functions necessary to consummate loan pipeline in an expeditious manner with minimal error rates. Regulatory Compliance: Responsible for branch compliance with regulatory requirements necessary to process residential and commercial loans. Responsible for organizations HMDA reporting and facilitating internal and external audits. FEC Mortgage Corporation Foxborough, MA (Acquired by InterBay Funding, LLC) ASSISTANT VICE PRESIDENT - COMPLIANCE OFFICER/OPERATIONS MANAGER (WHOLESALE) Chase Home Mortgage Corporation Waltham, MA ASSISTANT VICE PRESIDENT REGIONAL OPERATIONS MANAGER (WHOLESALE) 1996-2001

1994-1996

MFG Mortgage Corporation East Bridgewater, MA (Acquired by InterBay Funding, LLC) PRESIDENT / OWNER SMALL RESIDENTIAL MORTGAGE BROKERAGE FIRM SERVICING MA, NH, RI Boston Safe Deposit & Trust Company Boston, MA ASSISTANT VICE PRESIDENT - RESIDENTIAL OPERATIONS MANAGER MultiBank Mortgage Corporation Dedham, MA DIRECTOR OF MORTGAGE OPERATIONS RESIDENTIAL LENDING

1989-1994

1986-1989

1984-1986

E DUCATION, CERTIFICATIONS & AFFILIATIONS POST MASTERS GRADUATE PROGRAM Information Architecture & Knowledge Management (IAKM) Kent State University College of Communication & Information Architecture MASTER OF MANAGEMENT SCIENCE Cambridge College SIX SIGMA GREEN BELT Villanova University (Session, 2014) S.A.F.E. ACT (NMLS) Registration No.: 1173289